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<strong>CDR</strong> – Cohort Default Rate. As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.
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<strong>Code of Federal Regulations (CFR)</strong> – The regulations from the U.S. Department of Education relating to the federal student aid programs are codified in Volume 34. Part 668 governs the student assistance general provisions. Part 682 regulates the FFEL Program.
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lending rate (E4)<br />The RATE OF INTEREST on bank loans. It varies according to the type of customer. In the UK, major quoted companies are charged base rate plus 1 per cent, small companies base rate plus 2 per cent and personal borrowers base rate plus 5 per cent.
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<strong>DAAR</strong> – Default Aversion Assistance Request, the request sent by the lender to the MDHE to request DAA when a borrower is more than 60 days delinquent.

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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)

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<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.

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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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<strong>AGI</strong> – Adjusted Gross Income, an income figure on federal tax returns used to perform need analysis and verification.

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<strong>E-sign</strong> – Process of electronically “signing” a FFEL Program loan application, FAFSA, or other student aid document by providing information in an electronic format such as within a web loan delivery product (e.g., the MDHE-ASA product, MODEL Direct).
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seasonal unemployment (J6)<br />The state of being without a job for a few months of a year because of month-tomonth fluctuations in demand for labour of a particular industry. In the hotel and agricultural industries, especially, there is this type of unemployment.
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hedonic output (D2)<br />Output measured in terms of both quantity and quality. References Spady, R. and Friedlaender, A.F. (1978)<br />'Hedonic cost functions for the regulated trucking industry', Bell Journal of Economics 9 (Spring): 59-79.

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